Additional Insurance - Northern Neck Insurance Company

Your homeowners and auto insurance may provide more than enough coverage for your particular needs. But many homeowners want to increase their protection. That’s why we offer the following additional insurance to our customers.

Identity Recovery Coverage – we help you set your credit records straight and recover your good name.

Equipment Breakdown – provides funds to repair or replace critical home systems.

Extended Replacement Cost Protection – increases replacement cost limits when prices rise unexpectedly.

Enhancement Endorsement – increases dollar limits and covers perils not included in your primary policy.

Home Business Insurance Coverage – covers home office records, property and liability not included in your homeowners policy.

Boat – covers boat repairs, replacement and personal liability.

Be sure to check with your agent to determine if you need additional protection and what is appropriate for you and your situation.

Fast, face-to-face response. We settled 90% of Hurricane Isabel claims in 60 days and 90% of Ernesto claims in 30 days. We have independent agents in 185 locations throughout Virginia.
Valued customer discounts. If you have both your homeowners and your automobile insurance with us, you get a 25% discount on your automobile policy and a 10% discount on your homeowners policy. If you haven’t had a ticket in three years, you may qualify for a 15% discount on your automobile insurance. And, we offer additional discounts to non-smokers and other responsible policyholders.
Financial strength. The world’s largest and most authoritative source on insurance carriers’ financial strength and ability to pay claims, AM Best, rates us A- (Excellent). Demotech, a leading financial analysis and actuarial consulting firm, has rated Northern Neck Insurance Company A” Double Prime, unsurpassed in financial stability.
Convenience. In addition to home and auto insurance, we offer boat, umbrella, home office, equipment breakdown, identity theft and extended replacement coverage. So you can get all of the coverage you need in one place, with one point of contact, when you have a claim or a question call your local independent insurance agent.

This is not an offer to contract. Policies contain limits, exclusions and conditions that are not listed here. For full details about your specific coverage, please consult with your agent and read your policy carefully.

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